10 dog breeds that rile up insurers

Whether fair or not, underwriters have singled out these pooches for special scrutiny in homeowner policies.

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May 6, 2013 5:09PM
I can't believe Doberman's still make these lists.  I have owned two Doberman's so far in my life and known many others.  None have posed any threat to anybody else.  I treat my dogs with the love and respect they deserve and so should everybody else.  Dobe's can be a bit whacky in terms of what they do or don't like, some don't like bicycles, some don't like cats!  But you learn about your pet and work around these things.  In my experience Dobe's are loving and loyal and get much bad press, all because some unfortunately end up with idiots for owners.  The girl Dobe I currently own is the most gentle and sweetest dog I have ever known and everybody she meets is overwhelmed by her beautiful temperament.  She is now 11 years old, she has lived with me for nearly 10 years and although I wouldn't leave any dog in the company of children on their own (I am a sensible owner) my girl has been a wonderful pet to my now 6 year old son, who also treats her with the love and kindness she deserves.
May 6, 2013 3:27PM

This would make sense if choices were based on statistics.  The quantity of bites to the quantity of dofs registered  in a specific breed is a statistical sample.  But companies base the list on payouts--not quantity of incidents.  Worse, yet, the payouts include mixes.  Just because a mixed breed "looks" like something, there's no real basis of proof.  Only a registered dog with breed bloodlines can prove what it is, especially now that the AKC uses DNA results.  So, without a statistically reliable samle of bites to quantity of dogs in that breed, the list is just one that angers insurers because they couldn't sidestep a payout.


Have a purebred on the list?  Just call Safeco, a Liberty Mutual insurer.  We have nine dogs--no problem, plus we saved almost $300 a year even though we've had 62 years with the same campany and no claims.  Thank you Safeco.

May 6, 2013 4:13PM
Well, it is certainly true that some of the breeds mentioned, do make the news more often than most. That doesn't necessarily mean the dogs listed  actually cause more insurance claims for dog bites, they just get more press. Insurance companies are about one thing......making money. If they can figure out a way to take yours, without ever having to give any back, they are going to do it.
They will always attempt to limit their financial  exposure to any type of Insurance claim, that's just the nature of the business. 
Some of the dogs on this list, have a reputation of being aggressive; that's all it takes to make an insurance company a reason to decline a claim. Just like buying a fast car, it doesn't actually MEAN you're going to drive fast, but the potential is there, so the insurance is more expensive. Same goes for big powerful dogs, the potential is there for serious bodily injury to you or too others, so...Ipso facto;  your rates will  be more, or you could be denied insurance altogether. 
May 6, 2013 6:00PM
Huskies wouldn't be on the list if cat owners were required to license them like dog owners do. If your a small 4 legged turd like a cat running loose then don't blame the dog for doing what is natural. One wonderful thing about Huskies is that they love people of all ages as much as they have a prey drive for small critters.
May 6, 2013 9:03PM
I work at a shelter. A family had to surrender their german sheperd because she barked at the insurance person.  They said that she was aggressive. They would lose their insurance. It broke the families heart. Especially the childern. She is scared here at the shelter. She is not aggressive. That really upsets me.
May 6, 2013 8:40PM
I still maintain that I should get a security system discount because of my German Shepherd. 
He is so sweet and gentle, he won't take a treat or ball out of my baby niece's hand but I would not want to be the person trying to get in here that didn't belong. 
He won't even suffer a bee landing on me.
That's got to be worth something.
May 6, 2013 8:34PM
Can not believe huskies are on the list! I have owned several with a cat in the house and guess what? The cat is the boss ! The owners should be on the list not the dogs! Most of the breeds named are very popular with people ,this sounds like an insurers excuse for raking in more money!
May 6, 2013 7:47PM
Get a Newfoundland.  They're huge...large enough to scare off intruders, but they have the sweetest temperament of any dog breed.
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